What is Capital One Financial's provision for credit losses?

Capital One Financial (COF) reported provision for credit losses of $4.14B in Q4 2025.

How has Capital One Financial's provision for credit losses changed year-over-year?

Capital One Financial's provision for credit losses increased by 56.8% year-over-year, from $2.64B to $4.14B.

What is the long-term trend for Capital One Financial's provision for credit losses?

Over 3 years (2022 to 2025), Capital One Financial's provision for credit losses has grown at a 52.3% compound annual growth rate (CAGR), from $5.85B to $20.66B.

What does provision for credit losses mean?

The amount set aside to cover expected future losses from bad loans.

Discontinued — last reported Q4 '25

Operating Expenses

Provision for Credit Losses

Capital One Financial Provision for Credit Losses increased by 52.6% to $4.14B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 56.8%, from $2.64B to $4.14B. Over 3 years (FY 2022 to FY 2025), Provision for Credit Losses shows an upward trend with a 52.3% CAGR. This is a positive signal — lower values indicate better performance for this metric.

Analysis

StatementIncome Statement

SectionOperating Expenses

CategoryRisk

SignalLower is better

VolatilityVolatile

First reportedQ1 2013

Last reportedQ4 2025Feb 19, 2026

How to read this metric

An increase suggests deteriorating credit quality or portfolio growth, while a decrease indicates improved credit conditions or lower expected losses.

Detailed definition

This metric represents the periodic expense charged to the income statement to maintain the allowance for loan and lease...

Peer comparison

Standard for all lending institutions; highly sensitive to macroeconomic cycles.

Metric ID: provision_for_credit_losses

Historical Data

18 periods

	Q2 '21	Q3 '21	Q1 '22	Q2 '22	Q3 '22	Q4 '22	Q1 '23	Q2 '23	Q3 '23	Q4 '23	Q1 '24	Q2 '24	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25
Value	-$1.16B	-$342.00M	$677.00M	$1.09B	$1.67B	$2.42B	$2.80B	$2.49B	$2.28B	$2.86B	$2.68B	$3.91B	$2.48B	$2.64B	$2.37B	$11.43B	$2.71B	$4.14B
QoQ Change	—	+70.5%	+298.0%	+60.3%	+53.8%	+44.8%	+15.7%	-10.9%	-8.3%	+25.1%	-6.1%	+45.7%	-36.5%	+6.4%	-10.3%	+382.5%	-76.3%	+52.6%
YoY Change	—	—	—	+193.5%	+588.0%	—	+312.9%	+129.5%	+36.8%	+18.3%	-4.0%	+57.0%	+8.7%	-7.5%	-11.7%	+192.4%	+9.3%	+56.8%

Range-$1.16B – $11.43B

CAGR+34.9%

Avg YoY Growth+112.9%

Median YoY Growth+46.8%

Business Segments

View all

Segment	Q2 '24	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26
Credit Card	$3.55B	$2.08B	$2.38B	$1.93B	$11.10B	$2.36B	$3.68B	$3.41B
Consumer Banking	$330.00M	$351.00M	$328.00M	$301.00M	$252.00M	$340.00M	$409.00M	$519.00M
Commercial Banking	$34.00M	$48.00M	—	$142.00M	$81.00M	$9.00M	$55.00M	$138.00M
Total	$3.91B	$2.48B	$2.64B	$2.37B	$11.43B	$2.71B	$4.14B	—

Provision for Credit Losses at Other Companies

JPMorgan ChaseJPM View metric

Wells Fargo & CompanyWFC View metric

CitigroupC View metric

Synchrony FinancialSYF View metric

U.S. BancorpUSB View metric

Fifth Third BankFITB View metric

Frequently Asked Questions

What is Capital One Financial's provision for credit losses?: Capital One Financial (COF) reported provision for credit losses of $4.14B in Q4 2025.
How has Capital One Financial's provision for credit losses changed year-over-year?: Capital One Financial's provision for credit losses increased by 56.8% year-over-year, from $2.64B to $4.14B.
What is the long-term trend for Capital One Financial's provision for credit losses?: Over 3 years (2022 to 2025), Capital One Financial's provision for credit losses has grown at a 52.3% compound annual growth rate (CAGR), from $5.85B to $20.66B.
What does provision for credit losses mean?: The amount set aside to cover expected future losses from bad loans.